FridayOL

Good day to all and welcome to the QFIN Holdings (formerly Qifu Technology, Inc. - NASDAQ:QFIN) Second Quarter 2025 Earnings Conference Call. We appreciate you taking the time to join us as we delve into the company's performance and outlook for the remainder of the year. This call is being recorded and made available for replay.

A Look Back at Q2 2025

Q2 2025 proved to be a period of steady growth and strategic advancements for QFIN Holdings. While a detailed breakdown of the financials will follow, the key highlights include [Placeholder: Briefly mention 2-3 key financial highlights, e.g., revenue growth, profitability improvement, expansion into new markets. Replace this placeholder with actual data]. These results reflect the effectiveness of our ongoing initiatives to [Placeholder: Briefly mention 1-2 key strategic initiatives driving results. Replace this placeholder with actual initiatives, e.g., optimize operational efficiency, enhance customer acquisition strategies].

Navigating the Market Landscape

The current market environment presents both opportunities and challenges. We've observed [Placeholder: Discuss key market trends impacting the business, e.g., increased competition, evolving customer preferences, regulatory changes. Replace this placeholder with actual observations]. Our team has been diligently working to adapt our strategies to capitalize on emerging opportunities while mitigating potential risks. This includes [Placeholder: Briefly mention specific adaptation strategies, e.g., investing in R&D, expanding partnerships, focusing on customer retention. Replace this placeholder with actual strategies].

Focus on Innovation and Customer Value

At QFIN Holdings, we remain committed to delivering innovative solutions and exceptional value to our customers. During Q2, we [Placeholder: Highlight a significant product launch, feature update, or customer service improvement. Replace this placeholder with actual details]. We believe this demonstrates our dedication to meeting the evolving needs of our clients and strengthening our market position. The feedback we've received has been overwhelmingly positive, and we're confident that these enhancements will continue to drive customer satisfaction and loyalty.

Looking Ahead to Q3 and Beyond

As we look ahead to the second half of 2025, we are focused on [Placeholder: State 2-3 key priorities for the remainder of the year, e.g., expanding into new geographic regions, launching new product lines, strengthening strategic partnerships. Replace this placeholder with actual priorities]. We anticipate [Placeholder: Briefly mention expected challenges or opportunities for the remainder of the year. Replace this placeholder with actual expectations]. We are confident in our ability to execute our strategy and deliver sustainable long-term value for our shareholders.

Now, we'll open the floor for questions. [Operator Instructions]